# Ivybend Advances > Ivybend Advances is a small-business funding broker at 111 W Broadway St, Missoula, MT 59802 (phone (406) 313-8064). It helps businesses in Missoula, MT; Lolo, MT; Florence, MT and across Missoula County, Montana, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Ivybend Advances connects you with lending partners; partners make credit decisions and set rates and terms. Ivybend Advances is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Ivybend Advances does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 111 W Broadway St, Missoula, MT 59802, United States - Phone: (406) 313-8064 - Apply: https://ivybendadvances.com/apply/ - Service area: Missoula, MT; Lolo, MT; Florence, MT and all of Missoula County, Montana - Language: English ## Funding options - [Business Funding Options for Missoula, MT](https://ivybendadvances.com/business-loans/): Six ways to fund a Missoula County business are compared here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Ivybend Advances, a small-business funding broker in Missoula, MT, explains repayment, collateral and term length, while lending partners make every credit decision and set rates and terms. - [Working Capital Financing in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/business-loans/working-capital/): Working capital financing is short-term business funding, repaid in fixed installments, that keeps wages, rent and supplier bills paid while customer payments are on the way. Ivybend Advances, a small-business funding broker in Missoula, MT, explains how it is sized and repaid and sends requests to lending partners, which decide and set rates and terms. - [Business Term Loans in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/business-loans/term-loans/): A business term loan delivers one lump sum that is repaid in scheduled installments over a fixed term, usually for expansion, fit-outs or refinancing. Ivybend Advances, a small-business funding broker in Missoula, MT, explains amortization and paperwork and routes requests to lending partners, which make the credit decision and set rates and terms. - [Business Lines of Credit in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/business-loans/line-of-credit/): A business line of credit sets a borrowing limit the business can draw on as needed, paying interest only on the drawn balance, with the limit usually refilling as it is repaid. Ivybend Advances, a small-business funding broker in Missoula, MT, explains draws and limits; lending partners make the credit decisions and set rates and terms. - [Inventory Financing in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/business-loans/inventory-financing/): Inventory financing funds the purchase of stock or parts ahead of sale and is usually secured by that inventory. Ivybend Advances, a small-business funding broker in Missoula, MT, explains how partners value stock and file liens, and routes requests to lending partners, which make the credit decision and set rates and terms. - [Equipment Financing and Leasing in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/equipment-financing/): Equipment financing funds machines, vehicles and fixtures through loans, leases or equipment finance agreements, usually secured by the asset. Ivybend Advances, a small-business funding broker in Missoula, MT, explains the structures, new versus used and the paperwork, while lending partners make the credit decision and set rates and terms. - [Merchant Cash Advances in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/merchant-cash-advance/): A merchant cash advance is not a loan but a purchase of a business's future receivables, collected through a holdback on sales or a fixed remittance. Ivybend Advances, a small-business funding broker in Missoula, MT, explains factor rates, reconciliation and stacking; funding partners make the decisions and set every price and term. ## Industries - [Industry Financing for Missoula County, MT Businesses](https://ivybendadvances.com/industries/): Ivybend Advances, a small-business funding broker in Missoula, MT, works with construction firms, restaurants, medical and dental practices, and retailers and wholesalers across Missoula County. This page compares how each sector's cash moves and which funding shapes tend to suit it, with Census counts. Credit decisions rest with the lending partners alone. - [Contractor and Construction Financing in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/industries/construction/): Ivybend Advances, a small-business funding broker in Missoula, MT, helps Missoula County contractors line up equipment financing, credit lines and working capital requests. The county had 612 construction employers and 1,285 owner-only construction businesses in recent Census counts. The lending partner alone decides and sets every rate and term. - [Restaurant and Food Service Financing in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/industries/restaurants/): Ivybend Advances, a small-business funding broker in Missoula, MT, works with Missoula County restaurants on kitchen equipment, walk-in coolers, point-of-sale systems, working capital and lines of credit. The county had 313 food service employers in 2023. Every credit decision, rate and term belongs to the lending partner, never to Ivybend. - [Medical and Dental Practice Financing in Missoula, MT: Fit, Costs and Paperwork](https://ivybendadvances.com/industries/medical-dental/): Ivybend Advances, a small-business funding broker in Missoula, MT, works with Missoula County medical, dental and other outpatient practices on equipment financing, working capital, expansion and partner buy-ins. Missoula County counted 418 ambulatory health care employers in 2023. Every credit decision, rate and term belongs to the lending partner, never to Ivybend. ## Guides and calculators - [Montana Funding Guides for Missoula, MT Owners](https://ivybendadvances.com/resources/): Ivybend Advances, a small-business funding broker in Missoula, MT, publishes a Montana loan-readiness plan, a Missoula business license search and renewal guide, a directory of free Western Montana help and a construction equipment loan calculator. None of it is an offer; lending partners make every credit decision and set rates and terms. - [How to Get a Business Loan in Montana: A Missoula, MT Owner's Plan](https://ivybendadvances.com/resources/how-to-get-a-business-loan-in-montana/): This guide sets out how a Missoula County business can prepare to get a business loan in Montana: define the purpose, check entity and tax records, separate accounts, gather statements, check liens and credit, use free advising and compare offers. Ivybend Advances, a small-business funding broker in Missoula, MT, publishes it; lending partners make every credit decision. - [Missoula, MT Business License: Search, Apply and Renew Before You Seek Funding](https://ivybendadvances.com/resources/missoula-mt-business-license/): This guide walks Missoula County owners through four business license tasks: working out whether an address is inside City of Missoula limits, searching an existing license, applying, and renewing, plus finding zoning and permit records. Ivybend Advances, a small-business funding broker in Missoula, MT, publishes it; requirements themselves come from the city, county and counsel. - [Small Business Resources in Missoula, MT and Western Montana](https://ivybendadvances.com/resources/western-montana-small-business-resources/): This directory sorts free help available to owners in Missoula and Western Montana: one-on-one business advising, SBA information, chambers and networking groups, economic development, and state entity and tax records. Ivybend Advances, a small-business funding broker in Missoula, MT, is not affiliated with any of them; lending partners make all credit decisions on funding requests. - [Construction Equipment Loan Calculator for Missoula County, MT Contractors](https://ivybendadvances.com/resources/construction-equipment-loan-calculator/): This construction equipment loan calculator estimates the monthly payment and total cost, including the down payment, of financing a machine from its price, down payment, interest rate and term. Ivybend Advances, a small-business funding broker in Missoula, MT, offers it to Missoula County contractors as arithmetic only; it is not an offer or a prediction of terms. ## Areas served - [Missoula, MT Business Funding: Missoula County, MT by the Numbers](https://ivybendadvances.com/missoula-mt/): Ivybend Advances, a small-business funding broker in Missoula, MT, works from 111 W Broadway St in Missoula County, which counted 4,816 employer establishments in 2023 and 12,867 businesses without payroll in 2024. This page sets out those Census figures by size, sector and ZIP code, with links to funding shapes and local guides. - [Western Montana Communities Served From Missoula, MT](https://ivybendadvances.com/service-areas/): Ivybend Advances, a small-business funding broker in Missoula, MT, works by phone and online with owners in Missoula, Lolo and the rest of Missoula County, Florence in Ravalli County, Arlee in Lake County and Alberton in Mineral County. Figures on this page are ZIP-code counts, labeled as such, from the Census Bureau. - [Business Funding for Lolo, MT Near Missoula, MT](https://ivybendadvances.com/service-areas/lolo-mt/): Ivybend Advances, a small-business funding broker in Missoula, MT, works with Lolo owners by phone and through its online request. ZIP 59847, which includes Lolo, had 169 employer establishments in 2023, 67.5 percent with fewer than five employees, and construction was the largest sector. Credit decisions stay with the lending partners. - [Business Funding for Florence, MT Near Missoula, MT](https://ivybendadvances.com/service-areas/florence-mt/): Ivybend Advances, a small-business funding broker in Missoula, MT, works with Florence, MT owners in Ravalli County by phone and online. ZIP 59833 had 160 employer establishments in 2023, 79.4 percent with fewer than five employees, with construction the largest group. The lending partner alone decides and sets every rate and term. ## Company - [Ivybend Advances: Missoula, MT Business Funding Broker (Not a Lender)](https://ivybendadvances.com/): Ivybend Advances, a small-business funding broker in Missoula, MT, lends nothing itself and has no money in any deal. From 111 W Broadway St it helps Missoula County owners compare working capital, term loans, credit lines, inventory and equipment financing and merchant cash advances, then routes requests to lending partners, which decide and set every rate and term. - [Ivybend Advances' Broker Process in Missoula, MT](https://ivybendadvances.com/how-it-works/): Ivybend Advances, a small-business funding broker in Missoula, MT, works in four steps: a call about the purpose, matching it to a funding shape, a lending partner's underwriting, and your own comparison of any offer. Partners make every credit decision and set rates and terms; the owner decides whether to accept. - [Missoula, MT Business Funding FAQ](https://ivybendadvances.com/faq/): Ivybend Advances, a small-business funding broker in Missoula, MT, answers frequent owner questions here: personal versus business loans, putting your own money into the business, what records partners read, merchant cash advances and the requests it does not handle. Every credit decision, rate and term belongs to the lending partner, never to Ivybend. - [Request Funding Options From Missoula, MT](https://ivybendadvances.com/apply/): Ivybend Advances, a small-business funding broker in Missoula, MT, takes requests through a short form asking for name, email, phone and business name, three ranges and a consent checkbox, then calls to discuss the purpose and funding options. Every credit decision, rate and term belongs to the lending partner, never to Ivybend. - [About Ivybend Advances, Missoula, MT](https://ivybendadvances.com/about/): Ivybend Advances, a small-business funding broker in Missoula, MT, is not a lender and never funds deals itself. From 111 W Broadway St it explains six funding shapes, prepares requests and routes them to lending partners, which make every credit decision and set rates and terms. It works on business purposes only. - [Contact Ivybend Advances in Missoula, MT](https://ivybendadvances.com/contact/): Ivybend Advances, a small-business funding broker in Missoula, MT, can be reached on (406) 313-8064 or by post at 111 W Broadway St, Missoula, MT 59802. Owners can call or send the short online request and receive a call back. It is a broker, not a lender; lending partners make credit decisions and set terms. - [Broker Disclosures for Ivybend Advances, Missoula, MT](https://ivybendadvances.com/disclosures/): Ivybend Advances, a small-business funding broker in Missoula, MT, is a broker, not a lender. It arranges introductions to lending partners, which make every credit decision and set all rates and terms. It promises no approval, amount or timing, and a merchant cash advance it may discuss is not a loan. ## Optional - [Full text of every page](https://ivybendadvances.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://ivybendadvances.com/sitemap.xml)